| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | 335 MADISON AVE FL 20 NEW YORK, NY 100174633 | RELIASTAR LIFE INSURANCE COMPANY | — | $192K | $192K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $457 | $457 | 0.03% |
| JASON ADAMIEC3 | AON RISK SOLUTIONS 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | ACE AMERICAN INSURANCE COMPANY | $10K | — | $10K | 20.00% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD STE 310 ROSEMONT, IL 60018 | SUN LIFE AND HEALTH INSURANCE COMPANY | $3K | — | $3K | 12.62% |
| ENROLLEASE4 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4200 ROCKSIDE RD SUITE 300 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $202 | $2K | 18.10% |
| WILLIS TOWERS WATSON US LLC3 | CENTRE SQUARE EAST 1500 MARKET ST PHILADELPHIA, PA 19102 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 22.07% |
| STUMM INSURANCE LLC3 | 9400 W HIGGINS RD STE 310 ROSEMONT, IL 60018 | SUN LIFE AND HEALTH INSURANCE COMPANY | $758 | — | $758 | 9.14% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - ST LO | C/O BANK OF AMERICA 15939 COLLECTION CENTER DR. CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $282 | $56 | $338 | 11.99% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 7,599 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 130 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 158 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,887 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 695 | $2.0M |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 695 | $374K |
| Vision(3 contracts, 3 carriers) | EYEMED VISION CARE | 11,733 | $742K |
| Life insurance(5 contracts, 5 carriers) | AETNA LIFE INSURANCE CO. | 10,928 | $5.7M |
| Short-term disability(3 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 39 | $38K |
| Long-term disability(4 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 10,928 | $5.7M |
| Other(8 contracts, 8 carriers) | AETNA LIFE INSURANCE CO. | 10,928 | $8.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,733 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
No prospect flags tripped on this filing.